Can I retire at age 35 with 1,390,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$114,785$113,762$112,765$111,791$110,841$107,855
2 years$56,824$55,766$54,740$53,746$52,781$49,794
3 years$37,507$36,444$35,421$34,435$33,487$30,592
4 years$27,850$26,790$25,777$24,809$23,883$21,103
5 years$22,057$21,004$20,004$19,056$18,155$15,498
6 years$18,196$17,151$16,166$15,239$14,366$11,833
7 years$15,440$14,403$13,434$12,529$11,683$9,276
8 years$13,374$12,346$11,393$10,510$9,692$7,409
9 years$11,767$10,750$9,813$8,952$8,162$6,001
10 years$10,483$9,475$8,555$7,717$6,955$4,912
11 years$9,433$8,435$7,532$6,716$5,981$4,054
12 years$8,558$7,571$6,684$5,891$5,183$3,368
13 years$7,819$6,842$5,972$5,201$4,520$2,814
14 years$7,186$6,219$5,366$4,617$3,962$2,360
15 years$6,637$5,681$4,845$4,117$3,489$1,987
16 years$6,158$5,213$4,392$3,687$3,083$1,678
17 years$5,736$4,801$3,997$3,312$2,734$1,420
18 years$5,361$4,436$3,649$2,985$2,431$1,204
19 years$5,025$4,111$3,340$2,697$2,167$1,023
20 years$4,724$3,820$3,065$2,443$1,935$870
21 years$4,452$3,559$2,820$2,217$1,732$741
22 years$4,205$3,322$2,599$2,016$1,552$632
23 years$3,979$3,107$2,399$1,836$1,393$539
24 years$3,773$2,911$2,219$1,674$1,252$460
25 years$3,584$2,732$2,055$1,529$1,127$393
26 years$3,409$2,567$1,906$1,398$1,015$336
27 years$3,248$2,416$1,770$1,280$915$288
28 years$3,098$2,277$1,646$1,173$826$246
29 years$2,959$2,148$1,531$1,075$746$211
30 years$2,829$2,028$1,426$987$674$180
31 years$2,709$1,918$1,330$906$609$155
32 years$2,595$1,814$1,241$833$551$132
33 years$2,489$1,718$1,158$766$499$113
34 years$2,390$1,628$1,082$705$452$97
35 years$2,296$1,545$1,012$649$409$83
36 years$2,208$1,466$947$597$371$71
37 years$2,124$1,392$886$551$336$61
38 years$2,046$1,323$830$507$304$52
39 years$1,971$1,258$777$468$276$45
40 years$1,900$1,197$729$432$250$39
41 years$1,833$1,140$683$398$227$33
42 years$1,770$1,085$641$367$206$28
43 years$1,709$1,034$601$339$187$24
44 years$1,652$986$565$313$170$21
45 years$1,597$940$530$289$154$18
46 years$1,544$897$498$267$140$15
47 years$1,494$856$468$247$127$13
48 years$1,447$817$440$228$115$11
49 years$1,401$780$413$211$105$10
50 years$1,357$745$388$195$95$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,390,000, adding $4,339 every year, while hoping to spend $23,214 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 72/13/15 Blend
34$1,390,000$1,390,000$1,390,000$1,390,000
35$1,536,256$1,462,586$1,441,041$1,641,397
36$1,668,254$1,509,553$1,464,616$1,758,665
37$1,812,939$1,558,043$1,488,203$1,883,798
38$1,971,578$1,608,107$1,511,778$2,020,220
39$2,145,571$1,659,797$1,535,314$2,169,040
40$2,336,458$1,713,165$1,558,786$2,331,486
41$2,545,934$1,768,267$1,582,162$2,508,906
42$2,775,868$1,825,161$1,605,414$2,702,785
43$3,028,318$1,883,906$1,628,507$2,914,760
44$3,305,552$1,944,562$1,651,407$3,146,632
45$3,610,066$2,007,194$1,674,077$3,400,385
46$3,944,612$2,071,866$1,696,478$3,678,207
47$4,312,221$2,138,645$1,718,568$3,982,504
48$4,716,231$2,207,603$1,740,304$4,315,928
49$5,160,322$2,278,811$1,761,639$4,681,401
50$5,648,546$2,352,343$1,782,525$5,082,142
51$6,185,367$2,428,278$1,802,909$5,521,694
52$6,775,705$2,506,694$1,822,738$6,003,965
53$7,424,980$2,587,675$1,841,952$6,533,256
54$8,139,163$2,671,306$1,860,492$7,114,308
55$8,924,832$2,757,675$1,878,294$7,752,343
56$9,789,238$2,846,874$1,895,289$8,453,114
57$10,740,366$2,938,996$1,911,407$9,222,962
58$11,787,016$3,034,141$1,926,573$10,068,869
59$12,938,886$3,132,408$1,940,707$10,998,531
60$14,206,659$3,233,902$1,953,727$12,020,426
61$15,602,107$3,338,732$1,965,546$13,143,897
62$17,138,201$3,447,009$1,976,071$14,379,236
63$18,829,234$3,558,849$1,985,206$15,737,785
64$20,690,955$3,674,371$1,992,849$17,232,040
65$22,740,717$3,793,701$1,998,895$18,875,771
66$24,997,643$3,916,964$2,003,230$20,684,150
67$27,482,802$4,044,295$2,005,738$22,673,895
68$30,219,413$4,175,831$2,006,295$24,863,428
69$33,233,059$4,311,712$2,004,771$27,273,047
70$36,551,931$4,452,087$2,001,032$29,925,120
71$40,207,096$4,597,106$1,994,934$32,844,294
72$44,232,783$4,746,928$1,986,328$36,057,728
73$48,666,714$4,901,715$1,975,057$39,595,349
74$53,550,455$5,061,635$1,960,958$43,490,135
75$58,929,810$5,226,863$1,943,858$47,778,426
76$64,855,250$5,397,580$1,923,577$52,500,265
77$71,382,396$5,573,971$1,899,927$57,699,780
78$78,572,535$5,756,231$1,872,710$63,425,595
79$86,493,207$5,944,559$1,841,718$69,731,293
80$95,218,834$6,139,163$1,806,736$76,675,921
81$104,831,430$6,340,257$1,767,537$84,324,543
82$115,421,370$6,548,063$1,723,883$92,748,863
83$127,088,243$6,762,811$1,675,526$102,027,890
84$139,941,795$6,984,740$1,622,208$112,248,695
85$154,102,962$7,214,096$1,563,655$123,507,223
86$169,705,011$7,451,134$1,499,585$135,909,207
87$186,894,801$7,696,118$1,429,700$149,571,160
88$205,834,166$7,949,323$1,353,690$164,621,477
89$226,701,442$8,211,032$1,271,230$181,201,646
90$249,693,156$8,481,539$1,181,983$199,467,586
91$275,025,871$8,761,147$1,085,592$219,591,115
92$302,938,240$9,050,173$981,690$241,761,575
93$333,693,251$9,348,943$869,888$266,187,618
94$367,580,717$9,657,795$749,782$293,099,174
95$404,920,002$9,977,079$620,952$322,749,624
96$446,063,045$10,307,159$482,957$355,418,192
97$491,397,677$10,648,411$335,337$391,412,578
98$541,351,281$11,001,224$177,612$431,071,865
99$596,394,830$11,366,003$9,281$474,769,720
100$657,047,332$11,743,166$0$522,917,920